View 2013 Ford Escape Insurance Rates

Want lower insurance coverage rates for your Ford Escape? Feel like you’re a prisoner to high-priced insurance coverage? Trust us, you’re not the only one. You have multiple car insurance companies to insure vehicles with, and even though it’s nice to have a selection, it makes it harder to find the best rates.

You should make it a habit to check insurance coverage prices before your policy renews because rates are variable and change quite frequently. Just because you had the best rates on Escape insurance six months ago other companies may now be cheaper. You can find a lot of wrong information about insurance coverage on the web, but by reading this article, you’re going to learn some of the best ways to buy insurance coverage cheaper.

Finding affordable coverage is easy if you know what you’re doing. If you have a current auto insurance policy or are shopping for new coverage, you can learn to shop for the lowest rates and still get good coverage. Drivers only need an understanding of how to shop for auto insurance over the internet.

Where Can I Get Cheap Insurance Coverage?

Effectively comparing insurance coverage prices is a ton of work if you don’t know the easiest way. You can spend countless hours talking about coverages with insurance agencies in your area, or you could use online quotes to get pricing more quickly.

Many companies belong to an insurance system that enables customers to submit one quote, and each company returns a rated price based on that information. This eliminates the need for form submissions to every company.

To enter your information into the quoting system, click here to open in new window.

The only downside to comparing rates this way is you are unable to specify which companies to get quotes from. So if you prefer to pick individual companies to compare rates, we have a page of insurance coverage companies in your area. Click here for list of insurance companies.

It’s up to you which method you use, but make sure you use exactly the same coverages with every price quote. If you enter different deductibles you will not be able to make an equal comparison.

Do you qualify for a discount?

Companies offering auto insurance don’t always advertise every discount very well, so here is a list some of the more common and the more hidden discounts you could be receiving. If you don’t get every credit available, you are throwing money away.

  • One Accident Forgiven – A few companies will forgive one accident before hitting you with a surcharge if your claims history is clear for a set time period.
  • Senior Discount – Mature drivers may be able to get a small decrease in premiums on Escape insurance.
  • Discount for Good Grades – Performing well in school can be rewarded with saving of up to 25%. Earning this discount can benefit you up to age 25.
  • Club Memberships – Participating in a qualifying organization is a good way to get lower rates on auto insurance on Escape insurance.
  • Paperless Signup – Certain companies may give you up to $50 just for signing your application over the internet.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control prevent accidents and therefore earn up to a 10% discount.

It’s important to note that most of the big mark downs will not be given to the overall cost of the policy. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. So when it seems like you would end up receiving a 100% discount, it doesn’t quite work that way.

Companies that may offer these discounts include:

Double check with all companies you are considering what discounts are available to you. Savings might not apply everywhere.

What coverages do I need?

When choosing the best insurance coverage coverage, there really is not a single plan that fits everyone. Your needs are not the same as everyone else’s so your insurance needs to address that. Here are some questions about coverages that might point out if you would benefit from an agent’s advice.

  • Do I benefit by insuring my home with the same company?
  • Is business equipment covered while in my vehicle?
  • Is my cargo covered for damage or theft?
  • Is other people’s property covered if stolen from my vehicle?
  • What should my uninsured motorist coverage limits be in my state?
  • Does my medical payments coverage pay my health insurance deductible?
  • Can I still get insurance after a DUI?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of insurance coverage companies in your area. It is quick, free and may give you better protection.

What insurance coverages do you need?

Understanding the coverages of insurance can help you determine the best coverages for your vehicles. Policy terminology can be confusing and nobody wants to actually read their policy. Below you’ll find the normal coverages available from insurance companies.

Coverage for medical payments – Med pay and PIP coverage provide coverage for immediate expenses for things like doctor visits, ambulance fees, X-ray expenses and pain medications. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverage – This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things like hitting a parking meter, crashing into a building, scraping a guard rail, colliding with a tree and rolling your car. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. It’s also possible to choose a higher deductible to bring the cost down.

Liability car insurance – This coverage can cover damage or injury you incur to people or other property by causing an accident. This insurance protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability coverage protects against claims like structural damage, bail bonds, repair costs for stationary objects and pain and suffering. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Uninsured and underinsured coverage – This provides protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Ford Escape.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Comprehensive coverages – Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as vandalism, a broken windshield, hitting a bird and fire damage. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.